Smart Talk About Debt: Daniel Goldstone's Practical Advice
Dan Goldstone wants to help consumers in all walks of life be smarter about managing their personal finances. His message: today, good credit is almost as critical as good health.
Consider these debt facts:
o more than 50 percent of Americans carry $10,000 in credit card debt
o Two million Americans filed for personal bankruptcy in 2005
o 83 percent of college students carry a credit card
o 96 percent of graduate students have 6 credit cards with an average...

How Credit Scores Are Calculated For Mortgage Purposes And How This Affects Offers On Mortgages By Lenders.
You may not even be aware that you have a credit score, but if youíve ever applied for a mortgage, a car loan or even had utilities, such as gas or electricity connected to your home, itís likely that your credit score has been checked.
A credit score is effectively a Ďrisk-assessmentí carried out by a lender to see what the likelihood is of you either paying or defaulting on your bills. It is a mathematical formula that compares your bill-paying history with the histories...

Avoiding Sub-prime Borrower Cards
If you have had bad credit in the past, it might seem hard to get a credit card that isnít more expensive than itís worth. If you have had bad credit in the past or not, it is important that you avoid sub-prime borrower cards. These cards are very expensive, and if this is your only option you should not get a credit card. If you want some advice on how to avoid sub-prime borrower cards then this guide can help you.
What is sub-prime lending?
Sub-prime lender is not a n...